Gixxerboy,

I can understand why you're upset but I've been reading that all credit card companies are jacking up their rates and going to be reducing credit limits. So I don't think it would have made any difference if you'd been with Citibank, Chase, or anyone else.

The banks have to do something about credit card debt. It's the next huge thing for them to figure out how to take of and some consumers, like you, are going to get lumped in with the rest.

I've used credit cards from Citi, BofA and AmEx for years but I always pay off the balance so interest rates have never been an issue.